Warning apparatus, warning server, warning system, and automobile

ABSTRACT

Herein disclosed is a warning apparatus for an automobile, comprising: a receiving unit for receiving a driver&#39;s information from a memory device memorizing said driver&#39;s information; a memorizing unit for memorizing a automobile insurance information; a determining unit for determining whether or not the driver is an insurant on the basis of said driver&#39;s information and the automobile insurance information; and a warning unit for warning the driver not to drive when the determining unit has determined that the driver is not said insurant.

BACKGROUND OF THE INVENTION

[0001] 1. Field of the Invention

[0002] The present invention relates to a warning apparatus, a warningserver, a warning system, and an automobile, and more particularly to awarning apparatus to be installed into an automobile, and decide whetheror not to immobilize an automobile on the basis of driver's informationand insurance information.

[0003] 2. Description of the Related Art

[0004] Up until now, there have been provided a wide variety of warningapparatus available in the process of preventing an automobile frombeing started and driven by an unqualified driver.

[0005] The conventional warning apparatus of this type is disclosed in,for example, Japanese Patent Laying-Open Publication No. 08-96042. Theconventional warning apparatus comprises a communications unit forcommunicating with an electronic driver's license having licenseinformation on driver's license and automobile insurance information onthe expiration date of insurance and the telephone number of insurancecompany, and a determining unit for determining whether or not to updatethe insurance on the basis of the automobile insurance information onthe expiration date of the insurance received from the electronicdriver's license.

[0006] The conventional warning apparatus constructed as previouslymentioned, however, encounters such a problem that the automobile tendsto be started and operated by the unqualified driver who is notconformable to age restriction, family rider, and other requirement forbeing insurant.

SUMMARY OF THE INVENTION

[0007] It is, therefore, an object of the present invention to provide awarning apparatus, a warning server, and a warning system can preventthe automobile from being started and operated by the unqualifieddriver.

[0008] According to the first aspect of the present invention, there isprovided a warning apparatus for an automobile, comprising: a receivingunit for receiving a driver's information from a memory devicememorizing the drover's information; a memorizing unit for memorizing anautomobile insurance information; a determining unit for determiningwhether or not the driver is an insurant on the basis of the driver'sinformation and the automobile insurance information; and a warning unitfor warning the driver not to drive when the determining unit hasdetermined that the driver is not the insurant.

[0009] The warning apparatus may further comprise a permission signalproducing unit for producing a permission signal to permit the driver tooperate the automobile when the determining unit has determined that thedriver is the insurant.

[0010] The warning apparatus may further comprise a prevention signalproducing unit for producing a prevention signal to prevent the driverfrom operating the automobile when the determining unit has determinedthat the driver is not the insurant.

[0011] The receiving unit may be operative to receive the driver'sinformation from the memory device by performing wireless communicationswith the memory device.

[0012] The memorizing unit may be constituted of a detachable memorydevice having memorized the automobile insurance information.

[0013] The warning apparatus may further comprise a communications unitfor obtaining an automobile insurance information from the servermemorizing the automobile insurance information. The memorizing unit maybe operative to memorize the automobile insurance information obtainedby the communications unit.

[0014] The determining unit may be operative to determine whether or notthe driver is an insurant on the basis of the automobile insuranceinformation memorized in the memorizing unit when the determining unithas determined that the driver is not the insurant.

[0015] According to the second aspect of the present invention, there isprovided a warning system, comprising: a server having automobileinsurance information; and a warning apparatus for an automobile, thewarning apparatus, including: a receiving unit for receiving thedriver's information; a communications unit for obtaining the automobileinsurance information from the server by performing communications withthe server; a memorizing unit for memorizing the automobile insuranceinformation obtained by the communications unit; a determining unit fordetermining whether or not the driver is an insurant by comparing thedriver's information received by the receiving unit with the automobileinsurance information obtained by the communications unit; and a warningunit for warning the driver not to drive when the determining unit ofthe warning apparatus has determined that the driver is not theinsurant.

[0016] The warning apparatus may further include a permission signalproducing unit for producing a permission signal to permit the driver tooperate the automobile when the determining unit of the warningapparatus has determined that the driver is the insurant.

[0017] The warning apparatus may further include a prevention signalproducing unit for producing a prevention signal to prevent the driverfrom operating the automobile when the determining unit of the warningapparatus has determined that the driver is not the insurant.

[0018] The receiving unit of the warning apparatus may be operative toreceive the driver's information by performing wireless communications.

[0019] The determining unit of the warning apparatus may be operative todetermine whether or not the driver is an insurant on the basis of thedriver's information received by the receiving unit of the warningapparatus and the automobile insurance information memorized in thememorizing unit of the warning apparatus when the automobile insuranceinformation is not obtained from the server by the communications unitof the warning apparatus within a predetermined time period.

[0020] The warning system may further comprise a memory device havingdriver's information. The receiving unit of the warning apparatus may beoperative to receive the driver's information from the memory device.

[0021] The memory device may be constituted of an electronic key to theautomobile.

[0022] The memory device may be constituted of an electronic driver'slicense having license information on the automobile.

[0023] The warning apparatus may further include a determining unit fordetermining whether or not the license information is legitimate on thebasis of the license information memorized in the electronic driver'slicense.

[0024] According to the third aspect of the present invention, there isprovided a warning server, comprising: a communications unit forreceiving driver's information; a memorizing unit for memorizingautomobile insurance information; and a determining unit for determiningwhether or not the driver is an insurant by comparing the driver'sinformation received by the communications unit with the automobileinsurance information memorized in the memorizing unit, and thecommunications unit being operative to transmit results information onresults determined by the determining unit.

[0025] The warning server may further comprise a results informationmemorizing unit for memorizing the results information on resultsdetermined by the determining unit.

[0026] The communications unit may be operative to receive conditioninformation on a start of the automobile. The results informationstoring unit may be operative to produce supervisory information onmutual relation between the results information with the conditioninformation received by the communications unit, and to memorize thesupervisory information.

[0027] The warning server may further comprise an accounting modeldeciding unit for deciding on an accounting model on the basis of thesupervisory information memorized in the results information storingunit.

[0028] According to the fourth aspect of the present invention, there isprovided a warning system, comprising: a warning apparatus for anautomobile; and a waning server to be communicated with the warningapparatus, the warning server, including: a communications unit forreceiving driver's information from the warning apparatus; a memorizingunit for memorizing automobile insurance information; and a determiningunit for determining whether or not the driver is an insurant bycomparing the driver's information received by the communications unitwith the automobile insurance information memorized in the memorizingunit, and the warning apparatus including a warning unit for warning thedriver not to drive when the determining unit of the warning server hasdetermined that the driver is not the insurant.

[0029] The warning apparatus may further include a permission signalproducing unit for producing a permission signal to permit the driver tooperate the automobile when the determining unit of the warning serverhas determined that the driver is the insurant.

[0030] The warning apparatus further includes a prevention signalproducing unit for producing a prevention signal to prevent the driverfrom operating the automobile a prevention when the determining unit ofthe warning server has determined that the driver is not the insurant.

[0031] The warning server may further include a results informationstoring unit for memorizing results information on results determined bythe determining unit of the warning server.

[0032] The communications unit of the warning server is operative toreceive condition information on a start of the automobile from thewarning apparatus. The results information storing unit of the warningserver may be operative to produce supervisory information on mutualrelation between the results information with the condition informationreceived by the communications unit of the warning server, and tomemorize the supervisory information.

[0033] The warning server may further include an accounting modeldeciding unit for deciding on an accounting model on the basis of thesupervisory information memorized in the results information storingunit.

[0034] The warning system may further comprise a memory device formemorize driver's information. The receiving unit of the warning servermay be operative to receive the driver's information from the memorydevice through the warning apparatus.

[0035] The memory device may be constituted of an electronic key to theautomobile.

[0036] The memory device may be constituted of an electronic driver'slicense having license information on the automobile.

[0037] The warning server may further include a determining unit fordetermining whether or not the license information is legitimate on thebasis of the license information memorized in the electronic driver'slicense.

[0038] According to the fifth aspect of the present invention, there isprovided an automobile, comprising: an engine control unit forcontrolling an engine; and a warning apparatus for an automobile, thewarning apparatus, including: a receiving unit for receiving driver'sinformation from the memory device memorizing the driver's information;a memorizing unit for memorizing automobile insurance information; adetermining unit for determining whether or not the driver is aninsurant by comparing the driver's information received by the receivingunit with the automobile insurance information memorized in thememorizing unit; and a permission signal producing unit for producing apermission signal to permit the driver to operate the automobile whenthe determining unit has determined that the driver is the insurant, andthe engine control unit is operative to have the engine start inresponse to the permission signal produced by the permission signalproducing unit of the warning apparatus.

[0039] The warning apparatus may further include a warning unit forwarning the driver on the basis of results determined by the determiningunit when the determining unit has determined that the driver is theinsurant.

[0040] The receiving unit of the warning apparatus may be operative toreceive the driver's information from the memory device by performingwireless communications with the memory device.

[0041] The memorizing unit of the warning apparatus may be constitutedof a detachable memory device previously have memorized therein theautomobile insurance information.

[0042] The communications unit of the warning apparatus may be operativeto obtain automobile insurance information from the server memorizingthe automobile insurance information. The memorizing unit of the warningapparatus may be operative to memorize the automobile insuranceinformation obtained by the communications unit of the warningapparatus.

[0043] The determining unit of the warning apparatus may be operative todetermine whether or not the driver is an insurant on the basis of theautomobile insurance information memorized in the memorizing unit of thewarning apparatus when the automobile insurance information is notobtained from the server by the communications unit of the warningapparatus within a predetermined time period.

[0044] According to the sixth aspect of the present invention, there isprovided a warning apparatus to be installed into an automobile, andoperable in combination with a memory device having driver's informationon personal details, comprising: a receiving unit for receiving thedriver's information from the memory device; a memorizing unit havingautomobile insurance information on a requirement for being insurant; afirst determining unit for determining whether or not the personaldetails are conformable to the requirement for being insurant bycomparing the driver's information received by the receiving unit withthe automobile insurance information memorized in the memorizing unit;and a warning unit for warning the driver on the basis of resultsdetermined by the first determining unit when the first determining unitis operated to determine that the personal details are not conformableto the requirement for being insurant.

[0045] The warning apparatus may further comprise a permission signalproducing unit for producing a permission signal to permit the driver tooperate the automobile when the first determining unit is operated todetermine that the personal details are conformable to the requirementfor being insurant.

[0046] The warning apparatus may further comprise a prevention signalproducing unit for producing a prevention signal to prevent the driverfrom operating the automobile when the first determining unit isoperated to determine that the personal details are not conformable tothe requirement for being insurant.

[0047] The receiving unit may be operative to receive the driver'sinformation from the memory device by performing wireless communicationswith the memory device.

[0048] The memorizing unit may be constituted by a detachable memorydevice previously having the automobile insurance information on therequirement for being insurant.

[0049] The warning apparatus may further comprise a communications unitoperable in combination with a server having the automobile insuranceinformation on the requirement for being insurant, the communicationsunit being operative to obtain the automobile insurance information fromthe server by performing communications with the server. The memorizingunit may be operative to have memorized therein the automobile insuranceinformation obtained by the communications unit.

[0050] The first determining unit may be operative to determine whetheror not the personal details are conformable to the requirement for beinginsurant on the basis of the automobile insurance information memorizedin the memorizing unit when the automobile insurance information is notobtained from the server by the communications unit within apredetermined time period.

[0051] According to the seventh aspect of the present invention, thereis provided a warning system, comprising: a server having automobileinsurance information on a requirement for being insurant; and a warningapparatus to be installed into an automobile, the warning apparatus,including: a receiving unit for receiving the driver's information; acommunications unit for obtaining the automobile insurance informationfrom the server by performing communications with the server; amemorizing unit having memorized therein the automobile insuranceinformation obtained by the communications unit; a first determiningunit for determining whether or not the personal details are conformableto the requirement for being insurant by comparing the driver'sinformation received by the receiving unit with the automobile insuranceinformation obtained by the communications unit; and a warning unit forwarning the driver on the basis of results determined by the firstdetermining unit when the first determining unit is operated todetermine that the personal details are not conformable to therequirement for being insurant.

[0052] The warning apparatus may further include a permission signalproducing unit for producing a permission signal to permit the driver tooperate the automobile when the first determining unit of the warningapparatus is operated to determine that the personal details areconformable to the requirement for being insurant.

[0053] The warning apparatus may further include a prevention signalproducing unit for producing a prevention signal to prevent the driverfrom operating the automobile when the first determining unit of thewarning apparatus is operated to determine that the personal details arenot conformable to the requirement for being insurant.

[0054] The receiving unit of the warning apparatus may be operative toreceive the driver's information by performing wireless communications.

[0055] The first determining unit of the warning apparatus may beoperative to determine whether or not the personal details areconformable to the requirement for being insurant on the basis of thedriver's information received by the receiving unit of the warningapparatus and the automobile insurance information memorized in thememorizing unit of the warning apparatus when the automobile insuranceinformation is not obtained from the server by the communications unitof the warning apparatus within a predetermined time period.

[0056] The warning system may further comprise a memory device havingdriver's information on personal details. The receiving unit of thewarning apparatus may be operative to receive the driver's informationfrom the memory device.

[0057] The memory device may be constituted by an electronic key to theautomobile.

[0058] The memory device may be constituted by an electronic driver'slicense having license information on the automobile.

[0059] The warning apparatus may further include a second determiningunit for determining whether or not the license information islegitimate on the basis of the license information memorized in theelectronic driver's license.

[0060] According to the eighth aspect of the present invention, there isprovided a warning server, comprising: a communications unit forreceiving driver's information on personal details; a memorizing unithaving automobile insurance information on an insurance; and a firstdetermining unit for determining whether or not the personal details areconformable to the requirement for being insurant by comparing thedriver's information received by the communications unit with theautomobile insurance information memorized in the memorizing unit, andthe communications unit being operative to transmit results informationon results determined by the first determining unit.

[0061] The warning server may further comprise a results informationmemorizing unit having memorized therein the results information onresults determined by the first determining unit.

[0062] The communications unit may be operative to receive conditioninformation on a start of the automobile. The results informationstoring unit may be operative to produce supervisory information onmutual relation between the results information memorized therein withthe condition information received by the communications unit, and tohave the supervisory information memorized therein.

[0063] The warning server may further comprise an accounting modeldeciding unit for deciding on an accounting model on the basis of thesupervisory information memorized in the results information storingunit.

[0064] According to the ninth aspect of the present invention, there isprovided a warning system, comprising: a warning apparatus to beinstalled into an automobile; and a waning server to be communicatedwith the warning apparatus, the warning server, including: acommunications unit for receiving driver's information on personaldetails from the warning apparatus; a memorizing unit having automobileinsurance information on an insurance; and a first determining unit fordetermining whether or not the personal details are conformable to therequirement for being insurant by comparing the driver's informationreceived by the communications unit with the automobile insuranceinformation memorized in the memorizing unit, and the warning apparatusincluding a warning unit for warning the driver on the basis of resultsdetermined by the first determining unit of the warning server when thefirst determining unit of the warning server is operated to determinethat the personal details are conformable to the requirement for beinginsurant.

[0065] The warning apparatus may further include a permission signalproducing unit for producing a permission signal to permit the driver tooperate the automobile when the first determining unit of the warningserver is operated to determine that the personal details areconformable to the requirement for being insurant.

[0066] The warning apparatus may further include a prevention signalproducing unit for producing a prevention signal to prevent the driverfrom operating the automobile when the first determining unit of thewarning server is operated to determine that the personal details arenot conformable to the requirement for being insurant.

[0067] The warning server may further include a results informationstoring unit having memorized therein results information on resultsdetermined by the first determining unit of the warning server.

[0068] The communications unit of the warning server may be operative toreceive condition information on a start of the automobile from thewarning apparatus. The results information storing unit of the warningserver may be operative to produce supervisory information on mutualrelation between the results information memorized therein with thecondition information received by the communications unit of the warningserver, and to have the supervisory information memorized therein.

[0069] The warning server may further include an accounting modeldeciding unit for deciding on an accounting model on the basis of thesupervisory information memorized in the results information storingunit.

[0070] The warning system may further comprise a memory device havingdriver's information on personal details. The receiving unit of thewarning server may be operative to receive the driver's information fromthe memory device through the warning apparatus.

[0071] The memory device may be constituted by an electronic key to theautomobile.

[0072] The memory device may be constituted by an electronic driver'slicense having license information on the automobile.

[0073] The warning server may further include a second determining unitfor determining whether or not the license information is legitimate onthe basis of the license information memorized in the electronicdriver's license.

[0074] According to the tenth aspect of the present invention, there isprovided an automobile, comprising: an engine control unit forcontrolling an engine; and a warning apparatus operable in combinationwith a memory device having driver's information on personal details,the warning apparatus, including: a receiving unit for receiving thedriver's information from the memory device; a memorizing unit havingautomobile insurance information on a requirement for being insurant; afirst determining unit for determining whether or not the personaldetails are conformable to the requirement for being insurant bycomparing the driver's information received by the receiving unit withthe automobile insurance information memorized in the memorizing unit;and a permission signal producing unit for producing a permission signalto permit the driver to operate the automobile when the firstdetermining unit is operated to determine that the personal details areconformable to the requirement for being insurant, and the enginecontrol unit is operative to have the engine start in response to thepermission signal produced by the permission signal producing unit ofthe warning apparatus.

[0075] The warning apparatus may further include a warning unit forwarning the driver on the basis of results determined by the firstdetermining unit when the first determining unit is operated todetermine that the personal details are not conformable to therequirement for being insurant.

[0076] The receiving unit of the warning apparatus may be operative toreceive the driver's information from the memory device by performingwireless communications with the memory device.

[0077] The memorizing unit of the warning apparatus may be constitutedby a detachable memory device previously having the automobile insuranceinformation on the requirement for being insurant.

[0078] The warning apparatus may further include a communications unitoperable in combination with a server having the automobile insuranceinformation on the requirement for being insurant, the communicationsunit of the warning apparatus being operative to obtain the automobileinsurance information from the server by performing communications withthe server.

[0079] The memorizing unit of the warning apparatus may be operative tohave memorized therein the automobile insurance information obtained bythe communications unit of the warning apparatus.

[0080] The first determining unit of the warning apparatus may beoperative to determine whether or not the personal details areconformable to the requirement for being insurant on the basis of theautomobile insurance information memorized in the memorizing unit of thewarning apparatus when the automobile insurance information is notobtained from the server by the communications unit of the warningapparatus within a predetermined time period.

BRIEF DESCRIPTION OF THE DRAWINGS

[0081] The features and advantages of a warning apparatus, a warningserver, a warning system, and an automobile according to the presentinvention will be more clearly understood from the following descriptiontaken in conjunction with the accompanying drawings in which:

[0082]FIG. 1 is a block diagram of the warning system According to thefirst to third embodiments of the present invention;

[0083]FIG. 2 is a block diagram of the warning system according to thefourth and fifth embodiments of the present invention;

[0084]FIG. 3 is a block diagram of the warning system according to thesixth embodiment of the present invention;

[0085]FIG. 4 is a flowchart showing an operation of the warning systemaccording to the sixth embodiment of the present invention; and

[0086]FIG. 5 is a block diagram of the warning system according to theseventh embodiment of the present invention;

[0087]FIG. 6 is a flowchart showing an operation of the warning systemaccording to the seventh embodiment of the present invention; and

[0088]FIG. 7 is a schematic table showing supervisory information onmutual relation between results information memorized in the memorizingunit of the warning server according to the seventh embodiment of thepresent invention with condition information received by thecommunications unit of the warning server according to the seventhembodiment of the present invention.

DESCRIPTION OF THE EMBODIMENTS

[0089] Throughout the following detail description, similar referencecharacters and numbers refer to similar parts and elements in allfigures of the drawings.

[0090] Referring now to FIG. 1 of the drawings, there is shown a firstembodiment of the warning system according to the present invention. Thewarning system is shown in FIG. 1 as having a reference number 100, andcomprises an electronic driver's license 110, and a warning apparatus120 to be installed into an automobile, and adapted to communicate withthe electronic driver's license 110 to be carried with a driver.

[0091] The electronic driver's license 110 includes a memorizing unit111 for having driver's information on personal details of the driverand driver's license, an enciphering unit 112 for enciphering thedriver's information memorized in the memorizing unit 111, and atransmitting unit 113 for transmitting the driver's informationenciphered by the enciphering unit 112 to the warning apparatus 120 bycommunicating with the warning apparatus 120.

[0092] The warning apparatus 120 includes a receiving unit 121 forreceiving the enciphered driver's information from the electronicdriver's license 110 by communicating with the electronic driver'slicense 110, a deciphering unit 122 for deciphering the enciphereddriver's information received from the electronic driver's license 110,a memorizing unit 123 having automobile insurance information on arequirement for being insurant, a clock unit 124 for producing dateinformation on current date and hour, a second determining unit 125 fordetermining whether or not the driver's license is legitimate on thebasis of the driver's information received from the electronic driver'slicense 110, a first determining unit 126 for determining whether or notthe personal details of the driver is conformable to the requirement forbeing insurant on the basis of the driver's information received fromthe electronic driver's license 110 and the automobile insuranceinformation memorized in the memorizing unit 123, and a warning unit 127for warning the driver on the basis of results determined by the seconddetermining unit 125 and results determined by the first determiningunit 126.

[0093] The warning unit 127 of the warning apparatus 120 is operative towarn the driver on the basis of results determined by the seconddetermining unit 125 of the warning apparatus 120 when the seconddetermining unit 125 of the warning apparatus 120 is operated todetermine that the driver's license is not legitimate. In the similarmanner, the warning unit 127 of the warning apparatus 120 is operativeto warn the driver on the basis of results determined by the firstdetermining unit 126 of the warning apparatus 120 when the firstdetermining unit 126 of the warning apparatus 120 is operated todetermine that the personal details of the driver is not conformable tothe requirement for being insurant.

[0094] The warning apparatus 120 further includes a permission signalproducing unit 128 for producing a permission signal to permit thedriver to operate the automobile when the first determining unit 126 ofthe warning apparatus 120 is operated to determine that the personaldetails of the driver is conformable to the requirement for beinginsurant, and a setting unit 129 for allowing the memorizing unit 123 tohave memorized therein detailed information on, for example, the namesof the restricted members with respect to family rider.

[0095] The personal details includes one's name, one's address, theexpiration date of the driver's license, the registration number of thedriver's license, the classification of the driver's license, the pointfor the driving infraction, and others.

[0096] The requirement for being insurant includes the name of acovenantee, vehicle's details, the expiration date of the insurance, agerestriction, the family rider, the maximum limit of the insurance, andothers.

[0097] The second determining unit 125 of the warning apparatus 120 isoperative to determine whether or not the driver's information receivedfrom the electronic driver's license 110 is represented by unlawfulformat. The second determining unit 125 of the warning apparatus 120 isoperative to determine whether or not the driver's information receivedfrom the electronic driver's license 110, for example, the point for thedriving infraction is smaller than a predetermined point. The seconddetermining unit 125 of the warning apparatus 120 is operative todetermine whether or not the driver's information, for example, theclassification of the driver's license is conformable to the type of theautomobile. The second determining unit 125 of the warning apparatus 120is operative to determine whether or not the driver's information, forexample, the expiration date of the driver's license has passed on thebasis of the date information produced by the clock unit 124 of thewarning apparatus 120.

[0098] The first determining unit 126 of the warning apparatus 120 isoperative to determine whether or not the driver's information, forexample, the driver's age is conformable to the requirement for beinginsurant on the basis of the automobile insurance information memorizedin the memorizing unit 123 of the warning apparatus 120. The firstdetermining unit 126 of the warning apparatus 120 is operative todetermine whether or not the driver's information, for example, thedriver's name is conformable to the requirement for being insurant, todetermine whether or not the driver's name is the same as the name ofthe covenantee, and to determine whether or not driver's name isconformable to the names of the restricted members with respect to thefamily rider on the basis of the automobile insurance informationmemorized in the memorizing unit 123 of the warning apparatus 120. Thefirst determining unit 126 of the warning apparatus 120 is operative todetermine whether or not the expiration date of the insurance has passedon the basis of the automobile insurance information memorized in thememorizing unit 123 of the warning apparatus 120 and the dateinformation produced by the clock unit 124 of the warning apparatus 120.

[0099] The warning unit 127 of the warning apparatus 120 is operative towarn the driver, for example, by displaying on a screen the resultsdetermined by the second determining unit 125, i.e., “the unlawfuldriver's license” and others, and by displaying on the screen theresults determined by the first determining unit 126 of the warningapparatus 120, i.e., “the personal details of the driver is notconformable to the requirement for being insurant” and others.

[0100] The warning unit 127 of the warning apparatus 120 is operative towarn the driver, for example, by outputting a sound in association withthe results determined by the second determining unit 125, i.e., “theunlawful driver's license” and others, and by outputting a sound inassociation with the results determined by the first determining unit126 of the warning apparatus 120, i.e., “the personal details of thedriver is not conformable to the requirement for being insurant” andothers.

[0101] The setting unit 129 of the warning apparatus 120 is operative toallow the memorizing unit 123 of the warning apparatus 120 to havememorized therein the detailed information on, for example, the names ofthe restricted members with respect to the family rider. This leads tothe fact that the first determining unit 126 of the warning apparatus120 can accurately determine whether or not the personal details of thedriver is conformable to the requirement for being insurant on the basisof the detailed information memorized in the memorizing unit 123 of thewarning apparatus 120.

[0102] On the other hand, the warning unit 127 of the warning apparatus120 is operative to warn and demand the detailed information when thenames of the restricted members with respect to the family rider is notmemorized in the memorizing unit 123 of the warning apparatus 120.

[0103] The first determining unit 126 of the warning apparatus 120 isoperative to determine whether or not the driver's name is conformableto the names of the restricted members with respect to the family rideron the basis of the automobile insurance information and the detailedinformation memorized in the memorizing unit 123 of the warningapparatus 120, and the driver is not the same as the assured person.

[0104] The warning unit 127 of the warning apparatus 120 is operative towarn the driver about the family rider and other contract basis of theinsurance, for example, the driver who is separated from his or herspouse being not conformable to the family rider.

[0105] The following description will be directed to the operation ofthe first embodiment of the warning apparatus according to the presentinvention.

[0106] The driver's information on the personal details and the driver'slicense memorized in the memorizing unit 111 of the electronic driver'slicense 110 to be carried with the driver is firstly enciphered by theenciphering unit 112 of the electronic driver's license 110 when thedriver gets in the automobile. The enciphered driver's information isthen transmitted to the receiving unit 121 of the warning apparatus 120by the transmitting unit 113 of the electronic driver's license 110,while the enciphered driver's information is received by the receivingunit 121 of the warning apparatus 120, and deciphered by the decipheringunit 122 of the warning apparatus 120.

[0107] The second determining unit 125 of the warning apparatus 120 isthen operated to determine whether or not the driver's license islegitimate on the basis of the driver's information received from theelectronic driver's license 110.

[0108] Here, the clause “the driver's license is legitimate” intends toindicate the effect that the driver's information received from theelectronic deriver's license 110 is represented by the lawful format,the point for the driving infraction is smaller than the predeterminedpoint, the classification of the driver's license is conformable to thetype of the automobile, the driver's license has not expired yet.

[0109] When the second determining unit 125 of the warning apparatus 120is then operated to determine whether or not the driver's license is notlegitimate on the basis of the driver's information received from theelectronic driver's license 110, the warning unit 127 of the warningapparatus 120 is firstly operated to warn the driver on the basis ofresults determined by the second determining unit 125 of the warningapparatus 120. The prevention signal producing unit 128 of the warningapparatus 120 is then operated to fail to produce the permission signal,i.e., to assume “OFF” operational state to prevent the driver fromoperating the automobile.

[0110] When, on the other hand, the second determining unit 125 of thewarning apparatus 120 is operated to determine whether or not thedriver's license is legitimate on the basis of the driver's informationreceived from the electronic driver's license 110, the first determiningunit 126 of the warning apparatus 120 is operated to determine whetheror not the personal details of the driver is conformable to therequirement for being insurant on the basis of the driver's informationreceived from the electronic driver's license 110, the automobileinsurance information memorized in the memorizing unit 123 of thewarning apparatus 120, the date information produced by the clock unit124 of the warning apparatus 120.

[0111] The first determining unit 126 of the warning apparatus 120 isoperated to determine on whether or not the personal details of thedriver, for example, the driver's age is conformable to the requirementfor being insurant on the basis of the driver's information receivedfrom the electronic driver's license 110, the automobile insuranceinformation memorized in the memorizing unit 123 of the warningapparatus 120, the date information produced by the clock unit 124 ofthe warning apparatus 120.

[0112] The first determining unit 126 of the warning apparatus 120 isoperated to determine whether or not the personal details of the driver,for example, the driver's name is conformable to the requirement forbeing insurant on the basis of the driver's information received fromthe electronic driver's license 110, the automobile insuranceinformation memorized in the memorizing unit 123 of the warningapparatus 120, the date information produced by the clock unit 124 ofthe warning apparatus 120.

[0113] The first determining unit 126 of the warning apparatus 120 isoperated to determine whether or not the personal details of the driver,for example, the driver's license has expired on the basis of theautomobile insurance information memorized in the memorizing unit 123 ofthe warning apparatus 120 and the date information produced by the clockunit 124 of the warning apparatus 120.

[0114] When the second determining unit 125 of the warning apparatus 120is operated to determine whether or not the driver's license islegitimate on the basis of the driver's information received from theelectronic driver's license 110, the warning unit 127 of the warningapparatus 120 is operated to warn the driver on the basis of resultsdetermined by the first determining unit 126 of the warning apparatus120. The permission signal producing unit 128 of the warning apparatus120 is operated to assume “OFF” state to fail to produce the permissionsignal to prevent the driver from operating the automobile.

[0115] While there has been described in the present embodiment aboutthe fact that the warning apparatus 120 includes a permission signalproducing unit 128 for producing a permission signal to permit thedriver to operate the automobile when the first determining unit 126 ofthe warning apparatus 120 is operated to determine that the personaldetails of the driver is conformable to the requirement for beinginsurant, the permission signal producing unit 128 may be replaced by aprevention signal producing unit for producing a prevention signal toprevent the driver from operating the automobile when the firstdetermining unit 126 of the warning apparatus 120 is operated todetermine that the personal details are not conformable to therequirement for being insurant.

[0116] The warning apparatus constructed as previously mentioned canprevent the automobile from being started and operated by the driver whois not conformable to the requirement for being insurant when theprevention signal producing unit is operated to assume “ON” state toproduce the prevention signal to prevent the driver from operating theautomobile.

[0117] In the above embodiment, the warning apparatus 120 is installedinto an automobile, however, the automobile may comprise a warmingapparatus 100 for communicating with the electronic driver's license110, and preventing the automobile from being started and driven by theunqualified driver.

[0118] The warning apparatus may further include a control signalproducing unit for producing a control signal in response to resultsdetermined by the first determining unit 126 of the warning apparatus120. The automobile may be immobilized by each of the engine controlunit 131 and the transmission control unit 132 in response to thecontrol signal produced by the control signal producing unit when thefirst determining unit 126 of the warning apparatus 120 that thepersonal details of the driver is not conformable to the requirement forbeing insurant.

[0119] From the above detailed description, it will be understood thatthe warning apparatus 120 can prevent the automobile from being startedand driven by the unqualified driver, such as for example a driver whois not conformable to the requirement for being insurant, by including areceiving unit 121 for receiving the driver's information from theelectronic driver's license 110, a first determining unit 126 fordetermining whether or not the personal details of the driver isconformable to the requirement for being insurant on the basis of thedriver's information received from the electronic driver's license 110,and a warning unit 127 for warning the driver on the basis of resultsdetermined by the first determining unit 126.

[0120] The warning apparatus 120 can decide whether or not to immobilizethe automobile by determining whether or not the personal details of thedriver is conformable to the requirement for being insurant withrelatively high accuracy.

[0121] The warning apparatus 120 can completely immobilize theautomobile by reason that the permission signal producing unit 128 ofthe warning apparatus 120 is operative to assume the “OFF” state toimmobilize the automobile in combination with the engine control unit131 and the transmission control unit 132 of the automobile when thefirst determining unit 126 of the warning apparatus 120 that thepersonal details of the driver is not conformable to the requirement forbeing insurant on the basis of the driver's information received fromthe electronic driver's license 110.

[0122] The electronic driver's license 100 may be constituted by acontact-free IC card. The receiving unit 121 of the warning apparatus120 may be operative to receive the driver's information on the personaldetails of the driver by performing wireless communications with thecontact-free IC card. The warning apparatus constructed as previouslymentioned can determine whether or not the personal details of thedriver is conformable to the requirement for being insurant, and canprevent the automobile from being started and operated by the driver whois not conformable to the requirement for being insurant by reason thatthe receiving unit 121 is operative to receive the personal details ofthe driver from the contact-free IC card by performing wirelesscommunications with the contact-free IC card.

[0123] The warning apparatus may comprises a receiving unit forreceiving a driver's information from a memory device memorizing thedrover's information; a memorizing unit for memorizing an automobileinsurance information; a determining unit for determining whether or notthe driver is an insurant on the basis of the driver's information andthe automobile insurance information; and a warning unit for warning thedriver not to drive when the determining unit has determined that thedriver is not the insurant. The warning apparatus may further comprise apermission signal producing unit for producing a permission signal topermit the driver to operate the automobile when the determining unithas determined that the driver is the insurant. The warning apparatusmay further comprise a prevention signal producing unit for producing aprevention signal to prevent the driver from operating the automobilewhen the determining unit has determined that the driver is not theinsurant.

[0124] The receiving unit may be operative to receive the driver'sinformation from the memory device by performing wireless communicationswith the memory device. The memorizing unit may be constituted of adetachable memory device having memorized the automobile insuranceinformation. The warning apparatus may further comprise a communicationsunit for obtaining an automobile insurance information from the servermemorizing the automobile insurance information. The memorizing unit maybe operative to memorize the automobile insurance information obtainedby the communications unit. The determining unit may be operative todetermine whether or not the driver is an insurant on the basis of theautomobile insurance information memorized in the memorizing unit whenthe determining unit has determined that the driver is not the insurant.

[0125] Although there has been described in the above about the firstembodiment of the warning system according to the present invention,this embodiment may be replaced by the second to seventh embodiments ofthe warning system according to the present invention in order to attainthe objects of the present invention. The second to seventh embodimentsof the warning system will now be described hereinafter.

[0126] Referring then to FIGS. 1 to 3, and 5 of the drawings, there areshown block diagrams of the second to seventh embodiments of the warningsystem according to the present invention. The constitutional elementsand the steps of the second to seventh embodiments of the warning systemaccording to the present invention as shown in FIGS. 1 to 3, and 5 areentirely the same as those of the first embodiment of the warning systemaccording to the present invention as shown in FIG. 1 except for theconstitutional elements and the steps appearing in the followingdescription. Therefore, only the constitutional elements and the stepsof the second to seventh embodiments of the warning system differentfrom those of the first embodiment of the warning system will bedescribed in detail hereinafter. The constitutional elements and thesteps of the second to seventh embodiments of the warning systementirely the same as those of the first embodiment of the warning systemwill not be described but bear the same reference numerals and legendsas those of the first embodiment of the warning system in FIG. 1 toavoid tedious repetition.

[0127] The following description will be directed to the constitutionalelements and the steps of the second embodiment of the warning systemdifferent from those of the first embodiment of the warning system.

[0128] The warning system is shown in FIG. 1 as having a referencenumber 100, and comprises an electronic driver's license 110, and awarning apparatus 120 to be installed into an automobile, and adapted tocommunicate with the electronic driver's license 110 to be carried witha driver.

[0129] The electronic driver's license 110 includes a memorizing unit111 for having driver's information on personal details of the driverand driver's license, an enciphering unit 112 for enciphering thedriver's information memorized in the memorizing unit 111, and atransmitting unit 113 for transmitting the driver's informationenciphered by the enciphering unit 112 to the warning apparatus 110. Thememorizing unit 111 of the electronic driver's license 110 further hasmemorized therein automobile insurance information on a requirement forbeing insurant.

[0130] The first determining unit 126 of the warning apparatus 120 isoperative to determine whether or not the personal details of the driveris conformable to the requirement for being insurant on the basis of thedriver's information and the automobile insurance information receivedfrom the electronic driver's license 110 and the date informationproduced by the clock unit 124 of the warning apparatus 120.

[0131] The first determining unit 126 of the warning apparatus 120 isoperative to determine whether or not the personal details of thedriver, for example, the driver's age is conformable to the requirementfor being insurant on the basis of the driver's information and theautomobile insurance information received from the electronic driver'slicense 110 and the date information produced by the clock unit 124 ofthe warning apparatus 120.

[0132] The first determining unit 126 of the warning apparatus 120 isoperative to determine whether or not the personal details of thedriver, for example, the driver's name is conformable to the requirementfor being insurant, i.e., the driver is conformable to the covenantee ofthe insurance on the basis of the driver's information and theautomobile insurance information received from the electronic driver'slicense 110 and the date information produced by the clock unit 124 ofthe warning apparatus 120.

[0133] The first determining unit 126 of the warning apparatus 120 isoperative to determine whether or not the personal details of thedriver, for example, the driver is conformable to the family rider ofthe insurance on the basis of the driver's information and theautomobile insurance information received from the electronic driver'slicense 110 and the date information produced by the clock unit 124 ofthe warning apparatus 120 when the first determining unit 126 of thewarning apparatus 120 is operated to determine that the driver is notconformable to the covenantee of the insurance.

[0134] The first determining unit 126 of the warning apparatus 120 isoperative to determine whether or not the expiration date of theinsurance has not passed yet on the basis of the automobile insuranceinformation received from the electronic driver's license 110 and thedate information produced by the clock unit 124 of the warning apparatus120.

[0135] The following description will now be directed to the operationof the warning system according to the second embodiment of the presentinvention.

[0136] The first determining unit 126 of the warning apparatus 120 isoperated to determine whether or not the personal details of the driveris conformable to the requirement for being insurant on the basis of thedriver's information received from the electronic driver's license 110,the automobile insurance information memorized in the memorizing unit123 of the warning apparatus 120, the date information produced by theclock unit 124 of the warning apparatus 120.

[0137] When the first determining unit 126 of the warning apparatus 120is operated to determine whether or not the personal details of thedriver is conformable to the contract, the permission signal producingunit 128 of the warning apparatus 120 is operated to produce thepermission signal to permit the driver to operate the automobile.

[0138] When, on the other hand, the first determining unit 126 of thewarning apparatus 120 is operated to determine on whether or not thepersonal details of the driver is not conformable to the contract, thewarning unit 127 of the warning apparatus 120 is operated to warn thedriver on the basis of results determined by the determining unit 126 ofthe warning apparatus 120. The permission signal producing unit 128 ofthe warning apparatus 120 is then operated to assume “OFF” state toprevent the driver from operating the automobile when the firstdetermining unit 126 of the warning apparatus 120 is operated todetermine that the personal details of the driver is not conformable tothe requirement for being insurant.

[0139] While there has been described in the present embodiment aboutthe fact that the warning apparatus 120 includes a permission signalproducing unit 128 for producing a permission signal to permit thedriver to operate the automobile when the first determining unit 126 ofthe warning apparatus 120 is operated to determine that the personaldetails of the driver is conformable to the requirement for beinginsurant, the permission signal producing unit 128 may be replaced by aprevention signal producing unit for producing a prevention signal toprevent the driver from operating the automobile when the firstdetermining unit 126 of the warning apparatus 120 is operated todetermine that the personal details are not conformable to therequirement for being insurant.

[0140] The warning apparatus constructed as previously mentioned canprevent the automobile from being started and operated by the driver whois not conformable to the requirement for being insurant when theprevention signal producing unit is operated to assume “ON” state toproduce the prevention signal to prevent the driver from operating theautomobile.

[0141] In the above embodiment, the warning apparatus 120 is installedinto an automobile, however, the automobile may comprise a warmingapparatus 100 for communicating with the electronic driver's license110, and preventing the automobile from being started and driven by theunqualified driver.

[0142] The warning apparatus may further include a control signalproducing unit for producing a control signal in response to resultsdetermined by the first determining unit 126 of the warning apparatus120. The automobile may be immobilized by each of the engine controlunit 131 and the transmission control unit 132 in response to thecontrol signal produced by the control signal producing unit when thefirst determining unit 126 of the warning apparatus 120 is operated todetermine that the personal details of the driver is not conformable tothe requirement for being insurant.

[0143] From the above detailed description, it will be understood thatthe warning apparatus 120 can prevent the automobile from being startedand driven by the unqualified driver, such as for example a driver whois not conformable to the requirement for being insurant, by including areceiving unit 121 for receiving the driver's information and theautomobile insurance information from the electronic driver's license110, a first determining unit 126 for determining whether or not thepersonal details of the driver is conformable to the requirement forbeing insurant on the basis of the driver's information and theautomobile insurance information received from the electronic driver'slicense 110, and a warning unit 127 for warning the driver on the basisof results determined by the first determining unit 126.

[0144] The warning apparatus 120 can decide whether or not to immobilizethe automobile by determining whether or not the personal details of thedriver is conformable to the requirement for being insurant withrelatively high accuracy.

[0145] The warning apparatus 120 can completely immobilize theautomobile by reason that the permission signal producing unit 128 ofthe warning apparatus 120 is operative to assume the “OFF” state toimmobilize the automobile in combination with the engine control unit131 and the transmission control unit 132 of the automobile when thefirst determining unit 126 of the warning apparatus 120 is operated todetermine that the personal details of the driver is not conformable tothe requirement for being insurant on the basis of the driver'sinformation received from the electronic driver's license 110.

[0146] The electronic driver's license 100 may be constituted by acontact-free IC card. The receiving unit 121 of the warning apparatus120 may be operative to receive the driver's information on the personaldetails of the driver by performing wireless communications with thecontact-free IC card. The warning apparatus constructed as previouslymentioned can determine whether or not the personal details of thedriver is conformable to the requirement for being insurant, and canprevent the automobile from being started and operated by the driver whois not conformable to the requirement for being insurant by reason thatthe receiving unit 121 is operative to receive the personal details ofthe driver from the contact-free IC card by performing wirelesscommunications with the contact-free IC card.

[0147] Referring now to FIG. 1 of the drawings, there is shown a thirdembodiment of the warning system according to the present invention.

[0148] The warning system is shown in FIG. 1 as having a referencenumber 100, and comprises an electronic driver's license 110, and awarning apparatus 120 to be installed into an automobile, and adapted tocommunicate with the electronic driver's license 110 to be carried withthe driver.

[0149] The memorizing unit 111 of the electronic driver's license 110has driver's information on personal details and driver's license. Thememorizing unit 123 of the warning apparatus 120 previously hasautomobile insurance information on a requirement for being insurant.The first determining unit 126 of the warning apparatus 120 is operativeto determine whether or not the driver is conformable to the requirementfor being insurant on the basis of the driver's information and theautomobile insurance information received from the electronic driver'slicense 110, the automobile insurance information memorized in thememorizing unit 123 of the warning apparatus 120, the date informationproduced by the clock unit 124 of the warning apparatus 120.

[0150] In addition to the judgment performed by the first determiningunit 126 of the warning apparatus 120 of the warning system 100according to the first embodiment of the present invention, the firstdetermining unit 126 of the warning apparatus 120 is operative todetermine whether or the personal details of the driver is conformableto the requirement for being insurant on the basis of the automobileinsurance information memorized in the memorizing unit 123, anddetermine whether or not the vehicle details of the automobile isconformable to the requirement for being insurant taken out on thedriver on the basis of the automobile insurance information receivedfrom the electronic driver's license.

[0151] The warning unit 127 of the warning apparatus 120 is operativenot to warn the driver when the first determining unit 126 of thewarning apparatus 120 is operated to determine that the personal detailsof the driver is not conformable to the requirement for being insurant,and the vehicle details of the automobile is conformable to therequirement for being insurant taken out on the driver.

[0152] The first determining unit 126 of the warning apparatus 120 isoperative to determine whether or the maximum limits of the insurance islarger than a predetermined value on the basis of the automobileinsurance information memorized in the memorizing unit 123, anddetermine whether or not the maximum limits of the insurance taken outon the driver is larger than a predetermined value on the basis of theautomobile insurance information received from the electronic driver'slicense.

[0153] The warning unit 127 of the warning apparatus 120 is operative towarn the driver about the effect that the maximum limit of the insuranceis not larger than the predetermined value when the first determiningunit 126 of the warning apparatus 120 is operative to determine that thepersonal details are conformable to the requirement for being insurant,and the maximum limits of the insurance is not larger than thepredetermined value.

[0154] The permission signal producing unit 128 of the warning apparatus120 is operative to assume OFF state to fail to produce the permissionsignal, i.e., to immobilize the automobile in combination with theengine control unit 131 and the transmission control unit 132 when thefirst determining unit 126 of the warning apparatus 120 is operative todetermine that the personal details are conformable to the requirementfor being insurant, and the maximum limits of the insurance is notlarger than the predetermined value.

[0155] While there has been described in the present embodiment aboutthe fact that the warning apparatus 120 includes a permission signalproducing unit 128 for producing a permission signal to permit thedriver to operate the automobile when the first determining unit 126 ofthe warning apparatus 120 is operated to determine that the personaldetails of the driver is conformable to the requirement for beinginsurant, the permission signal producing unit 128 may be replaced by aprevention signal producing unit for producing a prevention signal toprevent the driver from operating the automobile when the firstdetermining unit 126 of the warning apparatus 120 is operated todetermine that the personal details are not conformable to therequirement for being insurant.

[0156] The warning apparatus constructed as previously mentioned canprevent the automobile from being started and operated by the driver whois not conformable to the requirement for being insurant when theprevention signal producing unit is operated to assume “ON” state toproduce the prevention signal to prevent the driver from operating theautomobile.

[0157] In the above embodiment, the warning apparatus 120 is installedinto an automobile, however, the automobile may comprise a warmingapparatus 100 for communicating with the electronic driver's license110, and preventing the automobile from being started and driven by theunqualified driver.

[0158] The warning apparatus may further include a control signalproducing unit for producing a control signal in response to resultsdetermined by the first determining unit 126 of the warning apparatus120. The automobile may be immobilized by each of the engine controlunit 131 and the transmission control unit 132 in response to thecontrol signal produced by the control signal producing unit when thefirst determining unit 126 of the warning apparatus 120 is operated todetermine that the personal details of the driver is not conformable tothe requirement for being insurant.

[0159] From the above detailed description, it will be understood thatthe warning apparatus 120 can prevent the automobile from being startedand driven by the unqualified driver, such as for example a driver whois not conformable to the requirement for being insurant, by including areceiving unit 121 for receiving the driver's information and theautomobile insurance information from the electronic driver's license110, a first determining unit 126 for determining whether or not thepersonal details of the driver is conformable to the requirement forbeing insurant on the basis of the driver's information and theautomobile insurance information received from the electronic driver'slicense 110, and a warning unit 127 for warning the driver on the basisof results determined by the first determining unit 126.

[0160] The warning apparatus 120 can decide whether or not to immobilizethe automobile by determining whether or not the personal details of thedriver is conformable to the requirement for being insurant withrelatively high accuracy.

[0161] The warning apparatus 120 can completely immobilize theautomobile by reason that the permission signal producing unit 128 ofthe warning apparatus 120 is operative to assume the “OFF” state toimmobilize the automobile in combination with the engine control unit131 and the transmission control unit 132 of the automobile when thefirst determining unit 126 of the warning apparatus 120 is operated todetermine that the personal details of the driver is not conformable tothe requirement for being insurant on the basis of the driver'sinformation received from the electronic driver's license 110.

[0162] The electronic driver's license 100 may be constituted by acontact-free IC card. The receiving unit 121 of the warning apparatus120 may be operative to receive the driver's information on the personaldetails of the driver by performing wireless communications with thecontact-free IC card. The warning apparatus constructed as previouslymentioned can determine whether or not the personal details of thedriver is conformable to the requirement for being insurant, and canprevent the automobile from being started and operated by the driver whois not conformable to the requirement for being insurant by reason thatthe receiving unit 121 is operative to receive the personal details ofthe driver from the contact-free IC card by performing wirelesscommunications with the contact-free IC card.

[0163] Referring now to FIG. 2 of the drawings, there is shown a fourthembodiment of the warning system according to the present invention.

[0164] The warning system is shown in FIG. 2 as having a referencenumber 200, and comprises an electronic key 210 to an automobile, and awarning apparatus 120 to be installed into the automobile, and adaptedto communicate with the electronic key 210.

[0165] The electronic key 210 includes a memorizing unit 211 for havingmemorized therein driver's information on personal details and driver'slicense, an enciphering unit 212 for enciphering the driver'sinformation memorized in the memorizing unit 211, and a transmittingunit 213 for transmitting the driver's information enciphered by theenciphering unit 212 to the warning apparatus 120. The personal detailsincludes one's name, the date of one's birth, and so on.

[0166] The warning apparatus 120 comprises a receiving unit 121 forreceiving the driver's information from the electronic key 210, adeciphering unit 122 for deciphering the driver's information encipheredby the enciphering unit 212 of the electronic key 210, a memorizing unit123 having memorized therein automobile insurance information on arequirement for being insurant, a clock unit 124 for producing timeinformation on current date and hour, a first determining unit 126 fordetermining whether or not the personal details are conformable to therequirement for being insurant on the basis of the driver's informationreceived from the electronic key 210 and the automobile insuranceinformation memorized in the memorizing unit 123, and a warning unit 127for warning the driver on the basis of results determined by the firstdetermining unit 126 when the first determining unit 126 is operated todetermine that the personal details are not conformable to therequirement for being insurant, and a permission signal producing unit128 for producing a permission signal to permit the driver to start anengine of the automobile when the first determining unit 126 is operatedto determine that the personal details are conformable to therequirement for being insurant, and a setting unit 129 for settingsupplemental information in the memorizing unit 123.

[0167] While there has been described in the fourth embodiment about thefact that the warning apparatus 120 includes the permission signalproducing unit 128 for producing a permission signal to permit thedriver to start an engine of the automobile when the first determiningunit 126 of the warning apparatus 120 is operated to determine that thepersonal details are conformable to the requirement for being insurant,the permission signal producing unit 128 may be replaced by a preventionsignal producing unit for producing a prevention signal to fait topermit the driver to operate the automobile.

[0168] In the similar manner of the warning apparatus 120 of the warningsystem 100 according to the first embodiment, the warning apparatus 120of the warning system 200 according to the fourth embodiment isoperative to receive the driver's information and the licenseinformation form the electronic driver's license, and receive thedrover's information except for the license information. The memorizingunit 211 of the electronic key 210 previously and further has identityinformation indicative of the key to the automobile, while the warningapparatus 120 of the warning system 200 according to the fourthembodiment is further operative to receive the identity information fromthe electronic key 210 before determining whether or not to recognize asthe electronic key 210 on the basis of the identical informationreceived from the electronic key 210.

[0169] Referring now to FIG. 2 of the drawings, there is shown a fifthembodiment of the warning system according to the present invention.

[0170] In this embodiment, the electronic key 210 includes a memorizingunit 211 for previously having driver's information on personal detailsand driver's license and automobile insurance information on a contractbasis of an automotive insurance, an enciphering unit 212 forenciphering the driver's information and the license informationmemorized in the memorizing unit 212, and a transmitting unit 213 fortransmitting the driver's information and the license informationenciphered by the enciphering unit 212 to the warning apparatus 120.

[0171] The first determining unit 126 of the warning apparatus 120 isoperative to determine whether or not the personal details areconformable to the requirement for being insurant on the basis of thedriver's information and the automobile insurance information receivedfrom the electronic key 210 and the date information produced by theclock unit 124.

[0172] In the first to fourth embodiments of the warning systemaccording to the present invention, the memorizing unit 123 of thewarning apparatus 120 may have only the automobile insurance informationon contract basis of compulsory insurance, i.e., compulsory automotiveliability insurance. The memorizing unit 123 of the warning apparatus120 may have only the automobile insurance information on contract basisof voluntary insurance. The memorizing unit 123 of the warning apparatus120 preferably have both the automobile insurance information on thecontract basis of the compulsory insurance and the automobile insuranceinformation on the contract basis of the voluntary insurance. The firstdetermining unit 126 of the warning apparatus 120 is preferablyoperative to determine whether or not the personal details areconformable to the requirement for being insurant on the basis of boththe contract basis of the compulsory insurance and the automobileinsurance information on the contract basis of the voluntary insurance.

[0173] Here, the automobile insurance may have an insurance taken out onthe automobile. On the other hand, the automobile insurance may have aninsurance taken out on the driver. The first determining unit isoperative to determine whether or not the personal details areconformable to age restriction, family rider, expiration date, and othercontract basis. The warning unit 127 is operative to warn the driverabout the expiration date of the automobile insurance, for example, todisplay on the screen “your driver's license will expire within amonth”.

[0174] The permission signal producing unit 128 is operative to assumetwo different operational states consisting of “ON” state to produce thepermission signal to permit the driver to operate the automobile, and“OFF” state to fail to produce the permission signal to permit thedriver to operate the automobile.

[0175] Here, the setting unit 129 may be operative to selectively setthe operational states of the permission signal producing unit 128. Thepermission signal producing unit 128 of the warning apparatus 120 may bereplaced by a prevention signal producing unit for producing aprevention signal to prevent the driver from operating the automobile.

[0176] From the above detail description, it will be understood that thewarning apparatus can prevent the automobile from being started to beoperated by the driver who is not conformable to the requirement forbeing insurant by reason that the permission signal producing unit isoperative to assume “OFF” state to fail to produce the permission signalwhen the first determining unit 126 is operated to determine that thepersonal details are not conformable to the requirement for beinginsurant.

[0177] The warning apparatus can prevent the automobile from beingstarted to be operated by the driver who is not conformable to therequirement for being insurant by reason that the warning unit isoperative to warn the driver on the basis of results determined by thefirst determining unit 126 when the first determining unit 126 isoperated to determine that the personal details are not conformable tothe requirement for being insurant. The warning apparatus ensures tohave the driver recognize about the effect that the driver is notconformable to the requirement for being insurant if the automobile canbe started to be operated by the driver who is not conformable to therequirement for being insurant.

[0178] Referring now to FIGS. 3 and 4 of the drawings, there is shownthe sixth embodiment of the warning system according to the presentinvention.

[0179] The warning system is shown in FIG. 3 as having a referencenumber 300, and comprises an electronic driver's license 110, and awarning apparatus 320 to be installed into the automobile, and adaptedto communicate with the electronic driver's license.

[0180] The warning apparatus 320 comprises a receiving unit 121 forreceiving the enciphered driver's information from the electronicdriver's license 110, a deciphering unit 122 for deciphering theenciphered driver's information received by the receiving unit 121, amemorizing unit 323 having memorized therein automobile insuranceinformation on a requirement for being insurant, a clock unit 124 forproducing time information on current date and hour, a first determiningunit 126 for determining whether or not the personal details areconformable to the requirement for being insurant on the basis of thedriver's information received from the electronic driver's license 110and the automobile insurance information memorized in the memorizingunit 123, and a warning unit 127 for warning the driver on the basis ofresults determined by the first determining unit 126 when the firstdetermining unit 126 is operated to determine that the personal detailsare not conformable to the requirement for being insurant, and apermission signal producing unit 128 for producing a permission signalto permit the driver to operate an engine of the automobile when thefirst determining unit 126 is operated to determine that the personaldetails are conformable to the requirement for being insurant, acommunications unit 134 for obtaining the requirement for being insurantfrom a server (not shown) through communications network such as forexample the internet, a setting unit 129 for setting the requirement forbeing insurant obtained by the communications unit 134, and a readingand writing unit 324 for allowing the memorizing unit 323 to have therequirement for being insurant set by the setting unit 129 memorizedtherein, and receiving the requirement for being insurant from thememorizing unit 323. The memorizing unit 323 is constituted by adetachable memorizing unit.

[0181] The operation of the warning apparatus according to the sixthembodiment of the present invention will now be described hereinafterwith reference to FIG. 4 of the drawings.

[0182] The communications unit 134 is firstly operated to start tocommunicate with the server (not shown), and start to receive theautomobile insurance information on the requirement for being insurantfrom the server (not shown) in the step S1. The reading and writing unit324 is then operated to start to allow the memorizing unit 323 to havethe contact basis of the automobile insurance memorized therein in thestep S2. The first determining unit 126 is then operated to determinewhether or not the requirement for being insurant is obtained by thecommunications unit 324 from the server (not shown) within apredetermined time interval, for example 30 seconds, and determinewhether or not the requirement for being insurant is memorized in thememorizing unit 323 by the reading and writing unit 324 within thepredetermined time interval in the step S3.

[0183] The reading and writing unit 324 is then operated to receive therequirement for being insurant from the memorizing unit 323 when thefirst determining unit 126 is operated to determine that the requirementfor being insurant is not obtained by the communications unit 324 fromthe server (not shown) within the predetermined time interval in thestep S4. Here, the memorizing unit 323 preferably has memorized thereinthe latest contract basis of the automobile insurance previouslyreceived by the communications unit 134 through a personal computer anda mobile phone.

[0184] The reading and writing unit 324 is then operated to receive thelatest contract basis of the automobile insurance from the memorizingunit 323 after the requirement for being insurant obtained by thecommunications unit 134 within the predetermined time intervalcompletely is memorized in the memorizing unit 323 in the step S5. Thefirst determining unit 126 is then operated to determine whether or notthe personal details are conformable to the requirement for beinginsurant by comparing the automobile insurance information memorized inmemorizing unit 323 with the driver's information received by thereceiving unit 121 in the step S6.

[0185] The permission signal producing unit 128 is then operated toproduce the permission signal to permit the driver to operate theautomobile on the basis of results determined by the first determiningunit 126 when the first determining unit 126 is operated to determinethat the personal details are conformable to the requirement for beinginsurant in the step S7, while the automobile is controlled by theengine control unit 131 and the transmission control unit 132 inresponse to the permission signal produced by the permission signalproducing unit 128.

[0186] When, on the other hand, the first determining unit 126 isoperated to determine that the personal details are not conformable tothe requirement for being insurant, the warning unit 127 is operated towarn the driver on the basis of results determined by the firstdetermining unit 126 in the step S8. The permission signal producingunit 128 is then operated to assume “OFF” state to fail to produce thepermission signal in the step S9. The automobile is not started to becontrolled by the engine control unit 131 and the transmission controlunit 132.

[0187] From the above detail description, it will be understood that thewarning apparatus can determine whether or not the personal details areconformable to the latest contract basis of the automobile insurance onthe basis of the automobile insurance information obtained by thecommunications unit 134.

[0188] The warning apparatus can determine whether or not the personaldetails are conformable to the latest contract basis of the automobileinsurance on the basis of the automobile insurance information memorizedby the detachable memorizing unit 323.

[0189] The warning apparatus can promptly decide whether or not thepersonal details are conformable to the requirement for being insuranton the basis of any one of the automobile insurance informationmemorized by the detachable memorizing unit 323 and the automobileinsurance information obtained by the communications unit 134.

[0190] Referring now to FIGS. 5 to 7 of the drawings, there is shown theseventh embodiment of the warning system according to the presentinvention.

[0191] The warning system is shown in FIG. 5 as having a referencenumber 400, and comprises an electronic driver's license 410, a warningapparatus 420 to be installed into the automobile, and adapted tocommunicate with the electronic driver's license, and a warning server430 for communicating with the warning apparatus 420.

[0192] The electronic driver's license 410 includes a memorizing unit411 having driver's information on personal details and driver'slicense, and a transmitting unit 412 for transmitting the driver'sinformation memorized in the memorizing unit 412 to the warningapparatus 420.

[0193] The warning apparatus 420 includes a receiving unit 421 forreceiving the driver's information from the electronic driver's license410, a communications unit 422 for transmitting the driver's informationreceived by the receiving unit 421 to the warning server 430, andreceiving various kinds of information, a warning unit 423 for warningthe driver on the basis of the information received from the receivingunit 422, and a permission signal producing unit 424 for producing apermission signal to permit the driver to operate the automobile. Thepermission signal producing unit 424 of the warning apparatus 420 iselectrically connected to each of an engine control unit 441 and atransmission control unit 442 of the automobile.

[0194] The communications unit 422 of the warning apparatus 420 iselectrically connected to each of the engine control unit 441 and thetransmission control unit 442 of the automobile, and operative todetermine whether or not the automobile is started to be operated by thedriver, and to transmit condition information on a start of theautomobile to the warning server 430.

[0195] The warning server 430 includes a communications unit 431 forreceiving the driver's information from the communications unit 422 ofthe warning apparatus 420, and transmitting the various kinds ofinformation, a memorizing unit 432 having automobile insuranceinformation on a requirement for being insurant, a first determiningunit 433 for determining whether or not the personal details areconformable to the requirement for being insurant on the basis of thedriver's information received by the communications unit 431 and theautomobile insurance information memorized in the memorizing unit 432, asupervisory information storing unit 434 for produce supervisoryinformation on mutual relation between result information on resultsdetermined by the first determining unit 433 of the warning server 430and the condition information received from the communications unit ofthe warning server 430, and having the supervisory information memorizedtherein, and an accounting model deciding unit 435 for deciding on anaccounting model on the basis of the supervisory information memorizedin the result information storing unit 434 of the warning server 430.

[0196] The communications unit 431 of the warning server 430 includes areceiving means for receiving the driver's information from thecommunications unit 422 of the warning apparatus 420, a resultinformation transmitting means for transmitting the results informationto the communications unit 422 of the warning apparatus 420, and acondition information receiving means for receiving the conditioninformation from the communications unit 422 of the warning apparatus420.

[0197] The operation of the warning system according to the seventhembodiment of the present invention will now be described hereinafterwith reference to FIGS. 6 and 7 of the drawings.

[0198] The driver's information memorized in the memorizing unit 411 ofthe electronic driver's license 410 is firstly transmitted to thewarning apparatus 420 by the transmitting unit 412 of the electronicdriver's license 410 in the step S11. The driver's informationtransmitted by the transmitting unit 412 of the electronic driver'slicense 410 is then received by the receiving unit 421 of the warningunit 420 in the step S12. The driver's information received by thereceiving unit 421 of the warning apparatus 420 is then transmitted tothe warning server 430 by the communications unit 421 of the warningapparatus 420 in the step S13.

[0199] The driver's information transmitted by the communications unit421 of the warning apparatus 420 is then received by the communicationsunit 431 of the warning server 430 in the step S14. The automobileinsurance information memorized in the memorizing unit 432 is thenobtained by the first determining unit 433 of the waning server 430 inthe step S15. The first determining unit 433 of the warning server 430is then operated to determine whether or not the personal details areconformable to the requirement for being insurant on the basis of thedriver's information received by the communications unit 433 of thewarning server 430 and the automobile insurance information memorized inthe memorizing unit 432 of the warning server 430 in the step S16.

[0200] When the answer in the step S16 is affirmative “YES”, i.e., thepersonal details are conformable to the requirement for being insurant,the result information on results determined by the first determiningunit 433 of the warning server 430 is then transmitted by thecommunications unit 431 of the warning server 430 to the warningapparatus 420 in the step S17, and then memorized in the resultinformation storing unit 434 of the warning apparatus 420 in the stepS18. The result information transmitted by the communications unit 431of the warning server 430 is then received by the communications unit422 of the warning apparatus 420 in the step S19. The permission signalproducing unit 424 of the warning apparatus 420 is then operated toproduce the permission signal to permit the driver to operate theautomobile in response to the result information received by thecommunications unit 422 of the warning apparatus 420 in the step S20.The step S20 proceeds to the step S22.

[0201] When, on the other hand, the answer in the step S16 is negative“NO”, i.e., the personal details are not conformable to the requirementfor being insurant, the result information on results determined by thefirst determining unit 433 of the warning server 430 is then transmittedby the communications unit 431 of the warning server 430 to the warningapparatus 420 in the step S17, and then memorized in the resultinformation storing unit 434 of the warning server 430 in the step S18.The result information transmitted by the communications unit 431 of thewarning server 430 is then received by the communications unit 422 ofthe warning apparatus 420 in the step S19. The permission signalproducing unit 424 of the warning apparatus 420 is then operated toassume “OFF” state to fail to produce the permission signal to permitthe driver to operate the automobile in response to the resultinformation received by the communications unit 422 of the warningapparatus 420. The warning unit 423 of the warning apparatus 420 is thenoperated to warn the driver on the basis of the result informationreceived by the communications unit 422 of the warning apparatus 420 inthe step S21. The communications unit 422 of the warning apparatus 420is then operated to transmit the condition information on the start ofthe automobile in combination with each of the engine control unit 441and transmission control unit 442 in the step S22.

[0202] The condition information transmitted by the communications unit422 of the warning apparatus 420 is then received by the communicationsunit 431 of the warning server 430 in the step S23. The resultinformation storing unit 434 of the warning server 430 is then operatedto produce supervisory information on mutual relation between resultinformation on results determined by the first determining unit 433 ofthe warning server 430 and the condition information received from thecommunications unit 431 of the warning server 430, and have thesupervisory information memorized therein in the step S24. Theaccounting model deciding unit 435 of the warning server 430 is operatedto decide on the accounting model on the basis of the supervisoryinformation memorized in the result information storing unit 434 of thewarning server 430 in the step S25.

[0203] The accounting model deciding unit 435 of the warning server 430is operated to, for example, determine whether or not the automobile isoperated by only the driver conformable to the requirement for beinginsurant on the basis of records of the result information and thecondition information memorized in the result information storing unit434 of the warning server 430. This leads to the fact that theadvantageous accounting model can be applied to the next contract basisof the insurance.

[0204] From the above detail description, it will be understood that thewarning system according to the present invention can efficientlydetermine whether or not the personal details are conformable to thelatest contract basis of the insurance on the basis of the driver'sinformation received by the communications unit 433 of the warningserver 430 and the latest automobile insurance information memorized inthe memorizing unit 432 of the warning server 430.

[0205] The warning server according to the present invention canefficiently determine whether or not the automobile has a trafficaccident while being operated by the driver who is not conformable tothe requirement for being insurant on the basis of the on the basis ofthe records of the result information memorized in the resultinformation storing unit 434 of the warning server 430. This leads tothe fact that the insurance company can efficiently send to aforesaiddriver the effect that the insurance is not applicable to aforesaidtraffic accident.

[0206] As shown in FIG. 7, the warning server according to the presentinvention can determine whether or not the automobile has a trafficaccident while being operated by the driver who is not conformable tothe requirement for being insurant on the basis of the records of thesupervisory information memorized in the result information storing unit434 of the warning server 430. This leads to the fact that the insurancecompany can clearly determine that the insurance is not applicable toaforesaid traffic accident on the basis of the records of thesupervisory information memorized in the result information storing unit434 of the warning server 430.

[0207] The insurance company can clearly determine whether or not theassured person complies with the requirement for being insurant on thebasis of the records of the supervisory information memorized in theresult information storing unit 434 of the warning server 430. Thisleads to the fact that the accounting model deciding unit 435 of thewarning server 430 can decide on the advantageous accounting model whichis applicable to the next contract basis of the automobile insurance.

[0208] The warning server may comprise a communications unit forreceiving driver's information; a memorizing unit for memorizingautomobile insurance information; and a determining unit for determiningwhether or not the driver is an insurant by comparing the driver'sinformation received by the communications unit with the automobileinsurance information memorized in the memorizing unit, and thecommunications unit being operative to transmit results information onresults determined by the determining unit. The warning server mayfurther comprise a results information memorizing unit for memorizingthe results information on results determined by the determining unit.The communications unit may be operative to receive conditioninformation on a start of the automobile. The results informationstoring unit may be operative to produce supervisory information onmutual relation between the results information with the conditioninformation received by the communications unit, and to memorize thesupervisory information. The warning server may further comprise anaccounting model deciding unit for deciding on an accounting model onthe basis of the supervisory information memorized in the resultsinformation storing unit.

[0209] The warning system may comprise a warning apparatus for anautomobile; and a waning server to be communicated with the warningapparatus, the warning server, including: a communications unit forreceiving driver's information from the warning apparatus; a memorizingunit for memorizing automobile insurance information; and a determiningunit for determining whether or not the driver is an insurant bycomparing the driver's information received by the communications unitwith the automobile insurance information memorized in the memorizingunit, and the warning apparatus including a warning unit for warning thedriver not to drive when the determining unit of the warning server hasdetermined that the driver is not the insurant.

[0210] The warning apparatus may further include a permission signalproducing unit for producing a permission signal to permit the driver tooperate the automobile when the determining unit of the warning serverhas determined that the driver is the insurant. The warning apparatusfurther includes a prevention signal producing unit for producing aprevention signal to prevent the driver from operating the automobile aprevention when the determining unit of the warning server hasdetermined that the driver is not the insurant. The warning server mayfurther include a results information storing unit for memorizingresults information on results determined by the determining unit of thewarning server. The communications unit of the warning server isoperative to receive condition information on a start of the automobilefrom the warning apparatus. The results information storing unit of thewarning server may be operative to produce supervisory information onmutual relation between the results information with the conditioninformation received by the communications unit of the warning server,and to memorize the supervisory information.

[0211] The warning server may further include an accounting modeldeciding unit for deciding on an accounting model on the basis of thesupervisory information memorized in the results information storingunit. The warning system may further comprise a memory device formemorize driver's information. The receiving unit of the warning servermay be operative to receive the driver's information from the memorydevice through the warning apparatus. The memory device may beconstituted of an electronic key to the automobile. The memory devicemay be constituted of an electronic driver's license having licenseinformation on the automobile. The warning server may further include adetermining unit for determining whether or not the license informationis legitimate on the basis of the license information memorized in theelectronic driver's license.

[0212] While the subject invention has been described with relation tothe preferred embodiments, various modifications and adaptations thereofwill now be apparent to those skilled in the art as far as suchmodifications and adaptations fall within the scope of the appendedclaims intended to be covered thereby.

What is claimed is:
 1. A warning apparatus for an automobile,comprising: a receiving unit for receiving a driver's information from amemory device memorizing said drover's information; a memorizing unitfor memorizing an automobile insurance information; a determining unitfor determining whether or not said driver is an insurant on the basisof said driver's information and said automobile insurance information;and a warning unit for warning said driver not to drive when saiddetermining unit has determined that said driver is not said insurant.2. A warning apparatus as set forth in claim 1, which further comprisesa permission signal producing unit for producing a permission signal topermit said driver to operate said automobile when said determining unithas determined that said driver is said insurant.
 3. A warning apparatusas set forth in claim 1, which further comprises a prevention signalproducing unit for producing a prevention signal to prevent said driverfrom operating said automobile when said determining unit has determinedthat said driver is not said insurant.
 4. A warning apparatus as setforth in claim 1, in which said receiving unit is operative to receivesaid driver's information from said memory device by performing wirelesscommunications with said memory device.
 5. A warning apparatus as setforth in claim 1, in which said memorizing unit is constituted of adetachable memory device having memorized said automobile insuranceinformation.
 6. A warning apparatus as set forth in claim 1, whichfurther comprises a communications unit for obtaining an automobileinsurance information from said server memorizing said automobileinsurance information; and in which said memorizing unit is operative tomemorize said automobile insurance information obtained by saidcommunications unit.
 7. A warning apparatus as set forth in claim 6, inwhich said determining unit is operative to determine whether or notsaid driver is an insurant on the basis of said automobile insuranceinformation memorized in said memorizing unit when said determining unithas determined that said driver is not said insurant.
 8. A warningsystem, comprising: a server having automobile insurance information;and a warning apparatus for an automobile, said warning apparatus,including: a receiving unit for receiving said driver's information; acommunications unit for obtaining said automobile insurance informationfrom said server by performing communications with said server; amemorizing unit for memorizing said automobile insurance informationobtained by said communications unit; a determining unit for determiningwhether or not said driver is an insurant by comparing said driver'sinformation received by said receiving unit with said automobileinsurance information obtained by said communications unit; and awarning unit for warning said driver not to drive when said determiningunit of said warning apparatus has determined that said driver is notsaid insurant.
 9. A warning system as set forth in claim 8, in whichsaid warning apparatus further includes a permission signal producingunit for producing a permission signal to permit said driver to operatesaid automobile when said determining unit of said warning apparatus hasdetermined that said driver is said insurant.
 10. A warning system asset forth in claim 9, in which said warning apparatus further includes aprevention signal producing unit for producing a prevention signal toprevent said driver from operating said automobile when said determiningunit of said warning apparatus has determined that said driver is notsaid insurant.
 11. A warning system as set forth in claim 8, in whichsaid receiving unit of said warning apparatus is operative to receivesaid driver's information by performing wireless communications.
 12. Awarning system as set forth in claim 8, in which said determining unitof said warning apparatus is operative to determine whether or not saiddriver is an insurant on the basis of said driver's information receivedby said receiving unit of said warning apparatus and said automobileinsurance information memorized in said memorizing unit of said warningapparatus when said automobile insurance information is not obtainedfrom said server by said communications unit of said warning apparatuswithin a predetermined time period.
 13. A warning system as set forth inclaim 8, which further comprises a memory device having driver'sinformation, and in which said receiving unit of said warning apparatusis operative to receive said driver's information from said memorydevice.
 14. A warning system as set forth in claim 13, in which saidmemory device is constituted of an electronic key to said automobile.15. A warning system as set forth in claim 13, in which said memorydevice is constituted of an electronic driver's license having licenseinformation on said automobile.
 16. A warning system as set forth inclaim 15, in which said warning apparatus further includes a determiningunit for determining whether or not said license information islegitimate on the basis of said license information memorized in saidelectronic driver's license.
 17. A warning server, comprising: acommunications unit for receiving driver's information; a memorizingunit for memorizing automobile insurance information; and a determiningunit for determining whether or not said driver is an insurant bycomparing said driver's information received by said communications unitwith said automobile insurance information memorized in said memorizingunit, and said communications unit being operative to transmit resultsinformation on results determined by said determining unit.
 18. Awarning server as set forth in claim 17, which further comprises aresults information memorizing unit for memorizing said resultsinformation on results determined by said determining unit.
 19. Awarning server as set forth in claim 18, in which said communicationsunit is operative to receive condition information on a start of saidautomobile, and in which said results information storing unit isoperative to produce supervisory information on mutual relation betweensaid results information with said condition information received bysaid communications unit, and to memorize said supervisory information.20. A warning server as set forth in claim 19, which further comprisesan accounting model deciding unit for deciding on an accounting model onthe basis of said supervisory information memorized in said resultsinformation storing unit.
 21. A warning system, comprising: a warningapparatus for an automobile; and a waning server to be communicated withsaid warning apparatus, said warning server, including: a communicationsunit for receiving driver's information from said warning apparatus; amemorizing unit for memorizing automobile insurance information; and adetermining unit for determining whether or not said driver is aninsurant by comparing said driver's information received by saidcommunications unit with said automobile insurance information memorizedin said memorizing unit, and said warning apparatus including a warningunit for warning said driver not to drive when said determining unit ofsaid warning server has determined that said driver is not saidinsurant.
 22. A warning system as set forth in claim 21, in which saidwarning apparatus further includes a permission signal producing unitfor producing a permission signal to permit said driver to operate saidautomobile when said determining unit of the warning server hasdetermined that said driver is said insurant.
 23. A warning system asset forth in claim 21, in which said warning apparatus further includesa prevention signal producing unit for producing a prevention signal toprevent said driver from operating said automobile a prevention whensaid determining unit of the warning server has determined that saiddriver is not said insurant.
 24. A warning system as set forth in claim21, in which said warning server further includes a results informationstoring unit for memorizing results information on results determined bysaid determining unit of said warning server.
 25. A warning system asset forth in claim 24, in which said communications unit of said warningserver is operative to receive condition information on a start of saidautomobile from said warning apparatus, and in which said resultsinformation storing unit of said warning server is operative to producesupervisory information on mutual relation between said resultsinformation with said condition information received by saidcommunications unit of said warning server, and to memorize saidsupervisory information.
 26. A warning system as set forth in claim 25,in which said warning server further includes an accounting modeldeciding unit for deciding on an accounting model on the basis of saidsupervisory information memorized in said results information storingunit.
 27. A warning system as set forth in claim 21, which furthercomprises a memory device for memorize driver's information, and inwhich said receiving unit of said warning server is operative to receivesaid driver's information from said memory device through said warningapparatus.
 28. A warning system as set forth in claim 27, in which saidmemory device is constituted of an electronic key to said automobile.29. A warning system as set forth in claim 27, in which said memorydevice is constituted of an electronic driver's license having licenseinformation on said automobile.
 30. A warning system as set forth inclaim 29, in which said warning server further includes a determiningunit for determining whether or not said license information islegitimate on the basis of said license information memorized in saidelectronic driver's license.
 31. An automobile, comprising: an enginecontrol unit for controlling an engine; and a warning apparatus for anautomobile, said warning apparatus, including: a receiving unit forreceiving driver's information from said memory device memorizing saiddriver's information; a memorizing unit for memorizing automobileinsurance information; a determining unit for determining whether or notsaid driver is an insurant by comparing said driver's informationreceived by said receiving unit with said automobile insuranceinformation memorized in said memorizing unit; and a permission signalproducing unit for producing a permission signal to permit said driverto operate said automobile when said determining unit has determinedthat said driver is said insurant, and said engine control unit isoperative to have said engine start in response to said permissionsignal produced by said permission signal producing unit of said warningapparatus.
 32. An automobile as set forth in claim 31, in which saidwarning apparatus further includes a warning unit for warning saiddriver on the basis of results determined by said determining unit whensaid determining unit has determined that said driver is said insurant.33. An automobile as set forth in claim 31, in which said receiving unitof said warning apparatus is operative to receive said driver'sinformation from said memory device by performing wirelesscommunications with said memory device.
 34. An automobile as set forthin claim 31, in which said memorizing unit of said warning apparatus isconstituted of a detachable memory device previously have memorizedtherein said automobile insurance information.
 35. An automobile as setforth in claim 33, in which a communications unit of said warningapparatus for obtaining automobile insurance information from saidserver memorizing said automobile insurance information, saidcommunications unit of said warning apparatus being operative to obtain;and in which said memorizing unit of said warning apparatus is operativeto memorize said automobile insurance information obtained by saidcommunications unit of said warning apparatus.
 36. An automobile as setforth in claim 35, in which said determining unit of said warningapparatus is operative to determine whether or not said driver is aninsurant on the basis of said automobile insurance information memorizedin said memorizing unit of said warning apparatus when said automobileinsurance information is not obtained from said server by saidcommunications unit of said warning apparatus within a predeterminedtime period.
 37. A warning apparatus to be installed into an automobile,and operable in combination with a memory device having driver'sinformation on personal details, comprising: a receiving unit forreceiving said driver's information from said memory device; amemorizing unit having automobile insurance information on a requirementfor being insurant; a first determining unit for determining whether ornot said personal details are conformable to said contract basis of saidautomobile insurance by comparing said driver's information received bysaid receiving unit with said automobile insurance information memorizedin said memorizing unit; and a warning unit for warning said driver onthe basis of results determined by said first determining unit when saidfirst determining unit is operated to determine that said personaldetails are not conformable to said contract basis of said automobileinsurance.
 38. A warning apparatus as set forth in claim 37, whichfurther comprises a permission signal producing unit for producing apermission signal to permit said driver to operate said automobile whensaid first determining unit is operated to determine that said personaldetails are conformable to said contract basis of said automobileinsurance.
 39. A warning apparatus as set forth in claim 37, whichfurther comprises a prevention signal producing unit for producing aprevention signal to prevent said driver from operating said automobilewhen said first determining unit is operated to determine that saidpersonal details are not conformable to said contract basis of saidautomobile insurance.
 40. A warning apparatus as set forth in claim 37,which further comprises a communications unit operable in combinationwith a server having said automobile insurance information on saidcontract basis of said automobile insurance, said communications unitbeing operative to obtain said automobile insurance information fromsaid server by performing communications with said server; and in whichsaid memorizing unit is operative to have memorized therein saidautomobile insurance information obtained by said communications unit.41. A warning apparatus as set forth in claim 40, in which said firstdetermining unit is operative to determine whether or not said personaldetails are conformable to said contract basis of said automobileinsurance on the basis of said automobile insurance informationmemorized in said memorizing unit when said automobile insuranceinformation is not obtained from said server by said communications unitwithin a predetermined time period.
 42. A warning system, comprising: aserver having insurance information on a requirement for being insurant;and a warning apparatus to be installed into an automobile, said warningapparatus, including: a receiving unit for receiving said driver'sinformation; a communications unit for obtaining said automobileinsurance information from said server by performing communications withsaid server; a memorizing unit having memorized therein said automobileinsurance information obtained by said communications unit; a firstdetermining unit for determining whether or not said personal detailsare conformable to said contract basis of said automobile insurance bycomparing said driver's information received by said receiving unit withsaid automobile insurance information obtained by said communicationsunit; and a warning unit for warning said driver on the basis of resultsdetermined by said first determining unit when said first determiningunit of said warning apparatus is operated to determine that saidpersonal details are not conformable to said contract basis of saidautomobile insurance.
 43. A warning system as set forth in claim 42, inwhich said warning apparatus further includes a permission signalproducing unit for producing a permission signal to permit said driverto operate said automobile when said first determining unit of saidwarning apparatus is operated to determine that said personal detailsare conformable to said contract basis of said automobile insurance. 44.A warning system as set forth in claim 43, in which said warningapparatus further includes a prevention signal producing unit forproducing a prevention signal to prevent said driver from operating saidautomobile when said first determining unit of said warning apparatus isoperated to determine that said personal details are not conformable tosaid contract basis of said automobile insurance.
 45. A warning systemas set forth in claim 42, in which said receiving unit of said warningapparatus is operative to receive said driver's information byperforming wireless communications.
 46. A warning system as set forth inclaim 42, in which said first determining unit of said warning apparatusis operative to determine whether or not said personal details areconformable to said contract basis of said automobile insurance on thebasis of said driver's information received by said receiving unit ofsaid warning apparatus and said automobile insurance informationmemorized in said memorizing unit of said warning apparatus when saidautomobile insurance information is not obtained from said server bysaid communications unit of said warning apparatus within apredetermined time period.
 47. A warning server, comprising: acommunications unit for receiving driver's information on personaldetails; a memorizing unit having automobile insurance information on arequirement for being insurant; and a first determining unit fordetermining whether or not said personal details are conformable to saidcontract basis of said automobile insurance by comparing said driver'sinformation received by said communications unit with said automobileinsurance information memorized in said memorizing unit, and saidcommunications unit being operative to transmit results information onresults determined by said first determining unit.
 48. A warning serveras set forth in claim 47, which further comprises a results informationmemorizing unit having memorized therein said results information onresults determined by said first determining unit.
 49. A warning serveras set forth in claim 48, in which said communications unit is operativeto receive condition information on a start of said automobile, and inwhich said results information storing unit is operative to producesupervisory information on mutual relation between said resultsinformation memorized therein with said condition information receivedby said communications unit, and to have said supervisory informationmemorized therein.
 50. A warning server as set forth in claim 49, whichfurther comprises an accounting model deciding unit for deciding on anaccounting model on the basis of said supervisory information memorizedin said results information storing unit.
 51. A warning system,comprising: a warning apparatus to be installed into an automobile; anda waning server to be communicated with said warning apparatus, saidwarning server, including: a communications unit for receiving driver'sinformation on personal details from said warning apparatus; amemorizing unit having automobile insurance information on a requirementfor being insurant; and a first determining unit for determining whetheror not said personal details are conformable to said contract basis ofsaid automobile insurance by comparing said driver's informationreceived by said communications unit with said automobile insuranceinformation memorized in said memorizing unit, and said warningapparatus including a warning unit for warning said driver on the basisof results determined by said first determining unit of said warningserver when said first determining unit of said warning server isoperated to determine that said personal details are conformable to saidcontract basis of said automobile insurance.
 52. A warning system as setforth in claim 51, in which said warning apparatus further includes apermission signal producing unit for producing a permission signal topermit said driver to operate said automobile when said firstdetermining unit of said warning server is operated to determine thatsaid personal details are conformable to said contract basis of saidautomobile insurance.
 53. A warning system as set forth in claim 51, inwhich said warning apparatus further includes a prevention signalproducing unit for producing a prevention signal to prevent said driverfrom operating said automobile when said first determining unit of saidwarning server is operated to determine that said personal details arenot conformable to said contract basis of said automobile insurance. 54.A warning system as set forth in claim 51, in which said warning serverfurther includes a results information storing unit having memorizedtherein results information on results determined by said firstdetermining unit of said warning server.
 55. A warning system as setforth in claim 54, in which said communications unit of said warningserver is operative to receive condition information on a start of saidautomobile from said warning apparatus, and in which said resultsinformation storing unit of said warning server is operative to producesupervisory information on mutual relation between said resultsinformation memorized therein with said condition information receivedby said communications unit of said warning server, and to have saidsupervisory information memorized therein.
 56. A warning system as setforth in claim 55, in which said warning server further includes anaccounting model deciding unit for deciding on an accounting model onthe basis of said supervisory information memorized in said resultsinformation storing unit.
 57. An automobile, comprising: an enginecontrol unit for controlling an engine; and a warning apparatus operablein combination with a memory device having driver's information onpersonal details, said warning apparatus, including: a receiving unitfor receiving said driver's information from said memory device; amemorizing unit having automobile insurance information on a requirementfor being insurant; a first determining unit for determining whether ornot said personal details are conformable to said contract basis of saidautomobile insurance by comparing said driver's information received bysaid receiving unit with said automobile insurance information memorizedin said memorizing unit; and a permission signal producing unit forproducing a permission signal to permit said driver to operate saidautomobile when said first determining unit is operated to determinethat said personal details are conformable to said contract basis ofsaid automobile insurance, and said engine control unit is operative tohave said engine start in response to said permission signal produced bysaid permission signal producing unit of said warning apparatus.
 58. Anautomobile as set forth in claim 57, in which said warning apparatusfurther includes a warning unit for warning said driver on the basis ofresults determined by said first determining unit when said firstdetermining unit is operated to determine that said personal details arenot conformable to said contract basis of said automobile insurance. 59.An automobile as set forth in claim 57, in which said warning apparatusfurther includes a communications unit of said warning apparatusoperable in combination with a server having said automobile insuranceinformation on said contract basis of said automobile insurance, saidcommunications unit of said warning apparatus being operative to obtainsaid automobile insurance information from said server by performingcommunications with said server; and in which said memorizing unit ofsaid warning apparatus is operative to have memorized therein saidautomobile insurance information obtained by said communications unit ofsaid warning apparatus.
 60. An automobile as set forth in claim 59, inwhich said first determining unit of said warning apparatus is operativeto determine whether or not said personal details are conformable tosaid contract basis of said automobile insurance on the basis of saidautomobile insurance information memorized in said memorizing unit ofsaid warning apparatus when said automobile insurance information is notobtained from said server by said communications unit of said warningapparatus within a predetermined time period.